The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,226
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,980
−HK$766/mo
Today · 4.125%
HK$25,746
baseline
▲ 0.50% · 4.625%
HK$27,312
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,492/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,952
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,674
−HK$734/mo
Today · 4.125%
HK$28,408
baseline
▲ 0.50% · 4.625%
HK$29,905
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,816/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,072
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,976
−HK$919/mo
Today · 4.125%
HK$30,895
baseline
▲ 0.50% · 4.625%
HK$32,774
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,790/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,342
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,209
−HK$880/mo
Today · 4.125%
HK$34,089
baseline
▲ 0.50% · 4.625%
HK$35,886
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,178/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,917
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,972
−HK$1,072/mo
Today · 4.125%
HK$36,044
baseline
▲ 0.50% · 4.625%
HK$38,237
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,088/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,732
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,744
−HK$1,027/mo
Today · 4.125%
HK$39,771
baseline
▲ 0.50% · 4.625%
HK$41,867
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,542/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,607
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,964
−HK$1,378/mo
Today · 4.125%
HK$46,342
baseline
▲ 0.50% · 4.625%
HK$49,162
+HK$2,820/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,684/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,513
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,814
−HK$1,320/mo
Today · 4.125%
HK$51,134
baseline
▲ 0.50% · 4.625%
HK$53,829
+HK$2,695/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,268/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,415 · Scale 2, in force from 26 Feb 2026)